Privacy Policy

WHO WE ARE

Breathe Mortgages Ltd are an appointed representative of FEAR Financial Limited, authorised and regulated by the Financial Conduct Authority (FCA).

Breathe Mortgages Ltd Financial Services Register number is 1032011
Fear Financial Limited Financial Services Register number is 1012718

WHAT DATA DO WE COLLECT?

Our Company collects the following data:

• Title, name, date of birth, gender, nationality, civil/marital status, contact details, addresses and documents that are necessary to verify your identity
   
• Employment and remuneration information, (including salary/bonus schemes/overtime/sick pay/other benefits), employment history
   
• Bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances and details of dependents
   
• Health status and history, details of treatment and prognosis, medical reports
   
• Any pre-existing Mortgage and Insurance products and the terms and conditions relating to these
   

HOW DO WE COLLECT YOUR DATA?

We will collect and record Your Personal Data from a variety of sources, but mainly directly from you. You will usually provide information during the course of our initial meetings or conversations with you to establish your circumstances and needs and preferences in relation to Mortgages and Insurance.

You will provide information to us verbally and in writing, including email.

We may also obtain some information from third parties, for example, credit checks, information from your employer, and searches of information in the public domain such as the voters roll.

If we use technology solutions to assist in the collection of Your Personal Data we will only do this if we have consent from you. With regards to electronic ID checks we would not require your consent but will inform you of how such software operates and the purpose for which it is used.

SPECIAL CATEGORY DATA

In the course of your interactions with Breathe Mortgages Ltd you may share information that is classified as ‘Special Category Data’. This could include data about:

• Race
   
• Ethnic origin
   
• Politics
   
• Religion
   
• Trade union membership
   
• Genetics
   
• Biometrics
   
• Health
   
• Sex life
   
• Sexual orientation
   

Where you do share information relating to any of these categories Breathe Mortgages Ltd will always seek explicit consent from you to store and process such information.

HOW WILL WE USE YOUR DATA?

PURPOSE / ACTIVITY
To initially engage with you to discuss your requirements

TYPE(S) OF DATA
Identity
Contact

LAWFUL BASIS FOR PROCESSING
Consent
Necessary for our legitimate interests

PURPOSE / ACTIVITY
To source products, provide indicative quotes, and process & deliver your application for a mortgage or protection product

TYPE(S) OF DATA
Identity
Contact
Financial
Transaction
Marketing & Comms
Special Category

LAWFUL BASIS FOR PROCESSING
Performance of a contract with you
To comply with a legal obligation
Necessary for our legitimate interests (to recover debts due to us)
Explicit Consent

PURPOSE / ACTIVITY
To manage our relationship with you including notifying you about changes to our terms or privacy policy, customer reviews / surveys, and re-engagement when existing products nears expiry / review protection needs

TYPE(S) OF DATA
Identity
Contact
Profile & Usage
Marketing & Comms

LAWFUL BASIS FOR PROCESSING
Performance of a contract with you
To comply with a legal obligation
Necessary for our legitimate interests

PURPOSE / ACTIVITY
To respond to case enquiries and input to & defend against complaints

TYPE(S) OF DATA
Identity
Contact
Profile & Usage
Transaction
Marketing & Comms
Special Category

LAWFUL BASIS FOR PROCESSING
To comply with a legal obligation
Necessary for our legitimate interests

PURPOSE / ACTIVITY
To perform an affordability check for a property on behalf of an Estate Agent or New Home builder

TYPE(S) OF DATA
Identity
Contact
Financial
Profile & Usage

LAWFUL BASIS FOR PROCESSING
Necessary for our legitimate interests and of the New Home Builder / Estate Agent

PURPOSE / ACTIVITY
To administer and protect our business and our website

TYPE(S) OF DATA
Identity
Contact
Technical

LAWFUL BASIS FOR PROCESSING
To comply with a legal obligation
Necessary for our legitimate interests

PURPOSE / ACTIVITY
To use data analytics to improve our website, products/services, marketing, customer relationships and experiences

TYPE(S) OF DATA
Technical
Profile & Usage

LAWFUL BASIS FOR PROCESSING
Necessary for our legitimate interests

WHO WE SHARE YOUR DATA WITH

TYPE OF RECIPIENT
Lenders and protection product suppliers

REASON
To source and submit applications in order to conclude the contract for the mortgage / protection application and the ongoing servicing of these contracts.

TYPE OF RECIPIENT
External suppliers

REASON
Specialist IT system providers to facilitate the sourcing of products, to provide continuing advice, to inform you about relevant products and services, and to request feedback on customer service standards. It may also be necessary to share your personal information with non-affiliated companies who perform support services on our behalf including those that provide professional, legal or accounting advice to Breathe Mortgages Ltd.

TYPE OF RECIPIENT
Solicitors / Conveyancers

REASON
To update the firm of solicitors / conveyancers with whom you are interacting about the progress of your application and confirm your identity / proof of deposit.

TYPE OF RECIPIENT
Estate agents / new home builders

REASON
To update the firm of mortgage / protection advisers, estate agents and home builders with whom you are interacting about the results of affordability checks and progress of your application.

TYPE OF RECIPIENT
Licensed Credit Agencies

REASON
For the purposes of confirming your identity to comply with Anti Money Laundering requirements, to perform a credit assessment, and to assess eligibility.

TYPE OF RECIPIENT
Regulators

REASON
Sharing of information may be necessary to fulfil our legal obligations as a regulated profession.

TYPE OF RECIPIENT
Others

REASON
Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets.

HOW DO WE STORE YOUR DATA?

PURPOSE OF PROCESSING
Successful mortgage / protection applications

RETENTION
For the full mortgage or protection policy term – six years from the date the application completes.

PURPOSE OF PROCESSING
Withdrawn, stalled, incomplete and failed mortgage / protection applications

RETENTION
2 years from the date the latest application was started, or 6 years from the application submitted date if application was submitted and subsequently rejected or from creation date if advice has been provided but not pursued.

PURPOSE OF PROCESSING
Affordability assessments for new build property

RETENTION
2 years from Decision In Principle if affordability check does not proceed to a full mortgage application.

PURPOSE OF PROCESSING
Enquiry data obtained from third parties that do not result in an application

RETENTION
2 years from the date the lead was received from the Introducer.

MARKETING

Our Company would like to send you information about products and services of ours that we think you might like, as well as those of our partner companies.

You may opt out of marketing communications at any time.

WHAT ARE YOUR DATA PROTECTION RIGHTS?

• The right to access
   
• The right to rectification
   
• The right to erasure
   
• The right to restrict processing
   
• The right to object to processing
   
• The right to data portability
   

HOW TO CONTACT US

Email: info@breathemortgages.co.uk
Telephone: 0113 450 3242

Radley House, Richardshaw Road,
Leeds, LS28 6LE

CHANGES TO OUR PRIVACY POLICY

This privacy policy was last updated on 05/06/2025.

HOW TO CONTACT THE APPROPRIATE AUTHORITY

You may contact the Information Commissioner’s Office at www.ico.org.uk